What Adumo Online does

Adumo Online (Pty) Limited is a South African cloud-enabled online payment gateway, headquartered in Cape Town, that operates as the digital payments business of the Adumo Group, which in turn sits within the Lesaka unified brand. The company offers merchants a proprietary payment processing platform that supports credit and debit cards (Visa, Mastercard, American Express, Diners Club), instant EFT via SecureEFT across all six major South African banks, Mobicred buy-now-pay-later, Zapper QR, Scan to Pay/Masterpass, Visa Click to Pay, OTT cash vouchers, and multi-currency processing settled in ZAR. Two primary integration paths are offered: an Enterprise REST API with OAuth 2.0 authentication and webhook notifications for full transaction lifecycle control, and a Virtual hosted payment page option for quick setup with branding customisation. Platform-level features include Level 1 PCI-DSS v3.2 compliance, bank-benchmarked tokenisation, 3D Secure 2.0 via Bankserv, and an integrated merchant dashboard covering transaction management, reporting, fraud management, payment links, and admin.

Name

Adumo Online

Legal name

Adumo Online (Pty) Limited

Website

https://adumoonline.com

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

11–50 employees

Short description

Adumo Online is a South African cloud-enabled payment gateway offering multi-method online payment processing (cards, EFT, Mobicred, wallets, OTT vouchers, links) to e-commerce merchants in retail, travel, mobility, and digital services, as part of Adumo Group/Lesaka.

Ownership category

akta.pro rank

Product category

Online Payment Gateway

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)

SIC

Finance Services (6199)

akta.pro primary industry

Alternative Payment Methods (APMs) & Local Rails (ACH/SEPA/UPI, etc.) (CRAFALAG)

akta.pro secondary industries

Payouts, Disbursements & Marketplace Split Payments (CRAFALAI), Recurring Billing, Subscriptions & Tokenized Payments (CRAFALAH), Invoicing, Pay-by-Link & Virtual Accounts (CRAFALAJ)

Keywords

• Online payment gateway
• Payment processing
• Merchant payment services
• E-commerce payments
• Instant EFT payments

Headquarters

HQ city

Johannesburg

HQ country

South Africa

HQ region

Africa

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Infrastructure, Personnel, Operations, Marketing or Sales, Others

Revenue model

1. Transaction Processing Fees: Adumo Online charges merchants transaction fees for processing payments. The company offers various payment methods including credit/debit cards, SecureEFT, Mobicred, and digital wallets each with potentially different fee structures. Lower transaction fees are mentioned as advantages for SecureEFT and Mobicred compared to credit card processing.
2. Multi-currency Processing: International card payments processed and settled in South African Rand (ZAR), enabling merchants to accept global customers while receiving local currency settlement.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels5 records

Core offering

Adumo Online provides a proprietary, cloud-enabled online payment gateway platform that enables South African e-commerce merchants to accept multiple payment types — credit/debit cards, instant EFT (SecureEFT), Mobicred BNPL, digital wallets, QR code payments, OTT vouchers, and payment links — across web, mobile, email, SMS, and social channels. The platform is offered through two integration models: an Enterprise REST API for merchants requiring full control and Virtual hosted payment pages for faster integration, complemented by a Client Portal dashboard for transaction, reporting, and fraud management.

Product overview

Adumo Online is a South African online payment gateway platform offering a comprehensive suite of payment solutions. The core platform provides two primary integration methods: Enterprise API for merchants requiring full control over the payment experience, and Virtual hosted payment pages for quick, secure integration. These core products are complemented by Payment Link for link-based transactions and multiple payment methods including Card Payments, SecureEFT, Mobicred, Zapper, Scan to Pay, Visa Click to Pay, Multi-Currency processing, and OTT Vouchers. Additional platform features include a Client Portal dashboard with Transaction Manager, Reporting, Fraud Manager, and Admin Manager modules. The company is part of the Adumo Group and provides integration plugins for major e-commerce platforms including Shopify, WooCommerce, PrestaShop, Magento, Zen Cart, and OpenCart.

Differentiator

Problem solved

Functional benefit

Products and services

• Payment Gateway Platform Proprietary, cloud-enabled online payment processing platform supporting credit/debit cards, SecureEFT, Mobicred, payment links, digital wallets, payment apps, and OTT vouchers. Provides 24/7 availability across all e-commerce channels for South African online merchants.
• Enterprise API RESTful Enterprise payment API giving developers complete control over the entire payment lifecycle. Supports 3D Secure, OAuth 2.0 authentication, and cardholder stays within merchant environment; supports initiate, authenticate, authorise, settle, reverse, and refund operations.
• Virtual (Hosted Payment Pages) Customisable hosted payment page solution requiring minimal development skills, with logo and brand customisation, CSS editing, email confirmations, fraud module configuration, and TLS 128-bit encryption.
• Payment Link Standalone payment link solution enabling merchants to send payment requests via email, SMS, invoices, chat, or social media. Independent solution requiring no website; backed by secured payment gateway.
• SecureEFT Instant EFT payment solution enabling customers to make secure online bank transfers directly from their bank accounts using internet banking. Supports Nedbank, ABSA, Standard Bank, FNB, Capitec, and Investec with two-factor authentication (OTP, USSD Push, or In-App approval). Level 1 PCI-DSS compliant.
• Card Payments Credit and debit card payment processing supporting Mastercard, Visa, Diners Club, and American Express. Accepts cards from multiple countries with fraud prevention technology. Includes support for Mastercard SecureCode, Verified by Visa, Masterpass, and Visa Click to Pay authentication.
• Mobicred Buy now pay later solution enabling customers to shop using revolving credit paid in instalments while merchants receive full settlement upfront. Reduces chargebacks, offers lower transaction fees than credit card processing, and reduces shopping cart abandonment through flexible consumer payments.
• Zapper (QR Code) Mobile QR code scanning payment service enabling convenient omnichannel mobile payments. Supports low processing fees, daily settlements, real-time notifications, customer insights, and digital loyalty features via the Zapper app.
• Scan to Pay (Masterpass) QR code payment solution underpinned by Masterpass technology for seamless and secure shopping. Supports FNB, RMB, ABSA, Capitec, and Nedbank banking apps for scan-and-pay mobile checkout.
• Visa Click to Pay Online payment solution allowing enrolled customers to checkout without re-entering account numbers or passwords across multiple devices. Reduces cart abandonment through faster checkout.
• Multi-Currency (Planet Gateway) Multi-currency payment gateway enabling international customers to pay in their local currency while merchants receive settlement in South African Rand (ZAR). Reduces chargebacks from currency misinterpretation.
• OTT Vouchers Physical voucher payment solution allowing customers to purchase vouchers at over 92,000 outlets across South Africa and use the PIN for online payments. Bridges cash and digital worlds for unbanked or cash-preferred consumers.

Quantifiable outcome

• Reduced chargebacks compared to credit card transactions
• +3 more outcomes

Segments5 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature9 records

Partnerships

23 partnerships are on record, tiered core.

• MastercardcoreTechnology or IntegrationMastercard card scheme integration enabling acceptance of Mastercard credit and debit cards. Includes support for Mastercard SecureCode authentication and Masterpass digital wallet. Partner logos and integration documentation available for merchants.
• VisacoreTechnology or IntegrationVisa card scheme integration enabling acceptance of Visa credit and debit cards. Includes Verified by Visa and Visa Checkout/Visa Click to Pay authentication solutions. Partner logos and integration documentation available for merchants.
• Diners Club InternationalcoreTechnology or IntegrationDiners Club card scheme integration enabling acceptance of Diners Club cards for online payments. Partner logos available for merchant display.
• American ExpresscoreTechnology or IntegrationAmerican Express card scheme integration enabling acceptance of Amex cards. Partner logos available for merchant display.
• NedbankcoreTechnology or IntegrationSecureEFT instant EFT banking partner supporting real-time bank transfers from Nedbank accounts with two-factor authentication via OTP, USSD Push, or In-App approval.
• Standard BankcoreTechnology or IntegrationSecureEFT instant EFT banking partner supporting real-time bank transfers from Standard Bank accounts with two-factor authentication.
• ABSA BankcoreTechnology or IntegrationSecureEFT instant EFT banking partner supporting real-time bank transfers from ABSA Bank accounts with two-factor authentication.
• First National Bank (FNB)coreTechnology or IntegrationSecureEFT instant EFT banking partner supporting real-time bank transfers from FNB accounts with two-factor authentication.
• Capitec BankcoreTechnology or IntegrationSecureEFT instant EFT banking partner supporting real-time bank transfers from Capitec Bank accounts with two-factor authentication.
• Investec BankcoreTechnology or IntegrationSecureEFT instant EFT banking partner supporting real-time bank transfers from Investec Bank accounts with two-factor authentication.
• ZappercoreTechnology or IntegrationQR code payment integration enabling customers to scan and pay using the Zapper app. Includes low processing fees, daily settlements, real-time notifications, customer insights, and digital loyalty features.
• Masterpass (Scan to Pay)coreTechnology or IntegrationMasterpass/Scan to Pay QR code integration supported by FNB, RMB, ABSA, Capitec, and Nedbank banking apps. Enables secure mobile payments through QR code scanning.
• MobicredcoreTechnology or IntegrationBuy now pay later integration enabling customers to shop using revolving credit paid in instalments while merchants receive full settlement up-front. Includes no chargebacks, lower fees, and reduced cart abandonment.
• OTT (One Time Voucher)coreTechnology or IntegrationOTT voucher integration enabling cash digitisation for online payments. Customers purchase vouchers at over 92,000 outlets across South Africa and use PIN codes for online transactions, bridging cash and digital payments.
• Planet PaymentcoreTechnology or IntegrationMulti-currency payment processing integration enabling international customers to pay in their home currency with settlement in South African Rand (ZAR). Reduces chargebacks from currency misinterpretation.
• BankservcoreTechnology or Integration3D Secure authentication provider for card transaction authentication. Bankserv provides the ACS (Access Control Server) infrastructure for 3DS authentication processes including OTP verification.
• Visa Click to PaycoreTechnology or IntegrationVisa Click to Pay integration enabling enrolled customers to checkout without entering account numbers or passwords across multiple devices. Reduces cart abandonment through faster checkout.
• ShopifycoreTechnology or IntegrationE-commerce platform plugin integration allowing Shopify merchants to easily add Adumo Online payment gateway to their online stores.
• WooCommercecoreTechnology or IntegrationWordPress e-commerce plugin integration including WooCommerce Subscriptions support for recurring payments. Available as downloadable integration package.
• MagentocoreTechnology or IntegrationMagento Commerce platform integration for open omnichannel innovation. Available via Bitbucket repository with integration documentation.
• PrestaShopcoreTechnology or IntegrationPrestaShop e-commerce platform integration available as downloadable plugin package.
• OpencartcoreTechnology or IntegrationOpencart platform integration available in multiple versions (v2, v3, v4) as downloadable integration packages.
• Zen CartcoreTechnology or IntegrationZen Cart e-commerce platform integration available as downloadable plugin package.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Peach Payments: South African payment gateway offering card, EFT, and alternative payment method processing for e-commerce merchants, with direct overlap in hosted payment pages, API integration, and shopping cart plugins targeting the same SA merchant base.
• Paygate (DigiOut): Established South African payment processor supporting credit cards, InstantEFT (SiD Secure EFT), and multiple local payment methods with similar Virtual and API integration options for e-commerce merchants.
• Yoco: South African payments company offering card acceptance and gateway services to SMBs and online merchants, increasingly competing in the e-commerce gateway space where Adumo Online operates.
• Ozow: South African instant EFT payment provider that directly competes with Adumo Online's SecureEFT product, enabling merchants to accept instant online bank transfers across major SA banks.
• Stitch (by Lesaka): South African payments fintech (under Lesaka, Adumo Online's parent group) offering payment and financial data APIs, competing for the same enterprise developer and merchant integrations that Adumo Online targets.
• Zapper: South African QR code mobile payment solution that both partners with Adumo Online (as an integrated payment method) and competes independently for merchant acceptance and consumer mindshare in SA.
• SnapScan: South African QR-based mobile payment platform enabling merchants to accept in-person and online payments, competing for the same omnichannel payment acceptance use cases Adumo Online targets.

Broad incumbents

• PayU South Africa: Global digital payments provider operating in South Africa with card processing, EFT, and alternative payment methods, representing a broader incumbent competitor with international scale.
• Stripe: Global payment gateway expanding in Africa with developer-first APIs and hosted payment experiences, increasingly competing with regional gateways like Adumo Online for cross-border and enterprise merchants.

Emerging players

• Mobicred: South African buy-now-pay-later provider that partners with Adumo Online as an integrated APM but also operates its own merchant network, partially overlapping on BNPL checkout flows.

Market position

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/Adumo-Online-100075625526458
• LinkedInlinkedin.com/company/adumo-online

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Adumo Online